Banking · Finance · PaymentsBanking software
that survives the audit.
Core banking, payments, lending, and wealth platforms built on double-entry ledgers with regulator-grade audit trails. Live in production today — powering banks, MFIs, and SACCOs across Ghana.
SikaNet CBS
Ledger, accounts, loans, and regulatory reporting for banks, MFIs, and SACCOs.
SikaNet Banker
Onboard customers, open accounts, and originate loans from the field — online or offline.
8+
Institutions on SikaNet
GH₵ 2.4M
Processed monthly
99.99%
Transaction uptime
PCI DSS
Aware architecture
Our products
Live FinTech platforms
we have built and shipped.
Not prototypes. Production systems running in Ghanaian financial institutions today.
Core banking platform
SikaNet CBS
Core banking, lending, and financial management — in one platform.
SikaNet CBS is our core banking platform for banks, microfinance institutions, cooperatives, and SACCOs. Ledger, customers, accounts, loans, transactions, and reporting — engineered for the regulatory and operational realities of African financial institutions.
GH₵ 2.4M
Monthly volume
99.99%
Uptime
8+
Institutions live
What is inside
- Double-entry general ledger with real-time trial balance
- Customer accounts, savings, current, and fixed deposits
- Loan origination, servicing, and repayment schedules
- Mobile Money, card, and bank transfer integrations
- Regulatory reporting and audit-ready transaction logs
- Multi-branch, multi-currency, and multi-product support
Mobile banker app
SikaNet Banker
The mobile companion for SikaNet CBS.
SikaNet Banker brings the core banking platform to the field. Relationship officers, tellers, and agents can onboard customers, open accounts, capture deposits, and originate loans from a mobile phone, with or without connectivity.
Offline
Field-first design
GhanaCard
Identity verified
Real-time
Core sync
What is inside
- Onboard customers with GhanaCard and biometric verification
- Open accounts, capture deposits, and post transactions in the field
- Loan origination with photo capture and document upload
- Works offline and syncs to SikaNet CBS when connectivity returns
- Daily collection tracking and route management for field officers
- Role-based access with full audit trails per transaction
Vertical focus
Eight FinTech verticals
we build for.
Each with its own licensing, payment rails, and risk requirements. We have handled all of them.
Banking
Core banking platforms, teller systems, compliance monitoring, and digital KYC workflows.
Payments
Mobile wallet apps, QR payments, merchant settlement, and cross-border payment rails.
Insurance
Claims processing, fraud detection, underwriting automation, and policy administration portals.
Lending
Credit risk scoring, loan origination, collections management, and P2P lending platforms.
Wealth & Investment Management
Robo-advisory platforms, KYC/AML for investment accounts, and client reporting dashboards.
Currency Exchange
FX risk monitoring, trading platforms, multi-currency wallets, and cross-border remittance systems.
Cryptocurrency & Digital Assets
Crypto compliance, transaction monitoring, exchange platforms, and blockchain-based payment systems.
Trading and Capital Markets
Order management, market data pipelines, portfolio analytics, and post-trade settlement systems.
Payment integrations
Plugged into the rails
that move money in Ghana.
SikaNet CBS, SikaNet Banker, and every custom FinTech build we deliver supports the payment rails, telcos, and aggregators your customers actually use.
MTN MoMo
Mobile Money collections and disbursements
Telecel Cash
Mobile Money collections and disbursements
AT Money
Mobile Money collections and disbursements
Flutterwave
Cards, Mobile Money, and international payments
Hubtel
Payments, SMS, and USSD for Ghana
Paystack
Cards, bank transfers, and USSD payments
Plus GhIPSS, Visa, Mastercard, and direct bank integrations on request.
Technology
The stack behind the platforms.
AI/ML, blockchain, mobile, and frontend — the four pillars we assemble for every FinTech product, matched to the workload.
Stack categories
AI / ML · 10 tools
Why most FinTech products
fail before they scale.
From auditing FinTech codebases, most platforms hit the same wall at the same moment — the first regulator inquiry, the first chargeback wave, or the first ledger discrepancy no one can explain.
The Ledger Drift
Early MVPs store balances as a column on the user table. It works until refunds, fees, and reversals fire at the same time — and the numbers stop adding up. Retrofitting a real double-entry ledger after launch takes months and requires reconciling every historical transaction. The fix isn't a bigger database. It's ledger-first design from sprint one.
The Compliance Gap
The first PCI QSA, SOC 2 auditor, or central bank reviewer asks for evidence — and the platform has none. Card data was stored in plaintext. KYC records weren't retained long enough. Retrofitting compliance into a live product is expensive, blocks every customer release, and can pause processing entirely. We build for the audit before the audit happens.
The Rebuild Trap
The original team treated payments like any other CRUD feature. The code is a tangle of edge cases. Every new payment method takes three times longer than the last. Founders eventually discover that custom FinTech built poorly compounds into a rewrite within eighteen months — and the rewrite costs more than building it right the first time.
Vertical capabilities
Every FinTech build,
broken down by vertical.
Pick a vertical to see what we typically build. Every engagement is scoped specifically — these are the common patterns.
Payments & Acquiring
Payment gateways, merchant onboarding, and acquiring platforms with PCI DSS scope minimisation. The most common FinTech build we deliver.
Why Innov8ProTech
Why financial institutions
choose to work with us.
Financial software is harder than most. Ledgers, regulations, and integrations all collide. Here is why banks, MFIs, and FinTechs work with Innov8ProTech.
FinTech-native engineering
We have built core banking platforms, payment gateways, and lending systems in production — not generic web apps with a finance theme.
Compliance from sprint one
PCI DSS, SOC 2, central bank reporting, and Data Protection Act 843 are designed in from the first commit — never retrofitted before an audit.
Ledger-first architecture
Double-entry ledgers, immutability, and audit trails from day one. No reconciliation nightmares six months after launch.
Built for African rails
Mobile Money, GhIPSS, local card switches, and central bank reporting. We know the integrations that matter in this market.
Full-stack capability
Backend, mobile, frontend, and DevOps under one roof. No stitching together vendors to ship a FinTech product.
Long-term partnerships
Financial systems run for years. We stay with them through regulator changes, growth, and platform evolution.
Our approach
How we build FinTech.
Regulatory review, ledger design, build, and operate. Every engagement runs in this order.
Regulatory & risk review
We map your licensing status, regulator obligations, and risk profile before proposing architecture.
Ledger & data model
Double-entry ledger, chart of accounts, and transactional integrity modelled before any UI.
Build & integrate
API-first development with payment rails, KYC providers, and your core systems. Weekly demos and compliance checkpoints.
Launch & operate
Staged rollout, load testing, regulator-facing reporting, and ongoing support. Or we operate it with your team.
Selected work
Financial systems in production.
SikaNet CBS
Core banking platform now serving multiple banks, microfinance institutions, and cooperatives. Live ledger, loan management, and regulatory reporting.
Outcome
8+ institutions live
SikaNet Banker
Mobile banking companion for SikaNet CBS. Relationship officers onboard customers, open accounts, and originate loans from the field — online or offline.
Outcome
Offline-first design
Multi-rail payment gateway
Unified gateway for Mobile Money, card, and bank transfers. Settlement, reconciliation, and reporting built in.
Outcome
3 rails, 1 API
Client feedback
What our clients
actually say.
“The move to SikaNet CBS was a bigger shift than I expected — but the right one. Before, our Susu collectors were on paper and every BOG report took us days to assemble. Now collections appear in the office before a collector even finishes their route, and the reports are just there. The team understood our business from day one.”
David Awuni
Founder, Adwumapa Microfinance
“We were cautious about moving patient records online. The on-prem approach changed that — everything stays inside the health center, nothing goes to a foreign cloud. Our clinicians now retrieve a file in seconds instead of ten minutes, and every entry has an audit trail behind it.”
Medical Director
Sekyedumase Health Center
“The patient management system they developed has streamlined our ophthalmology department. Appointment scheduling, patient records, and referral tracking are now seamless — saving us hours of administrative work every day.”
Isaac Adu
Ophthalmologist, Ghana Health Service
FAQ
FinTech
questions.
The questions banks, MFIs, and FinTech founders ask us most.
Still have questions?Let us talk
Ready to build your
FinTech product?
Tell us about your regulatory status, timeline, and the problem you are solving. We will map the architecture and give you a fixed-price proposal.